Annual Travel Insurance

If you fancy the adrenaline rush of a skiing holiday, or you're taking to the seas on a cruise, you’ll need to add on our winter sports cover upgrade or cruise upgrade to your policy as without these, your trip won’t be covered at all.

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance.

Exclusions include:

• Pre-existing conditions you don’t tell us about
• The pre-existing conditions of a relative not on your policy
• Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
• Anticipated events
• Travelling against FCDO or medical advice

You can read the full list of exclusions in our policy documents.

What happens if my holiday is cancelled?

In the unfortunate event your holiday is cancelled, you will be covered for certain reasons for cancellation with Admiral Travel Insurance. Depending on the level of cover you choose - Admiral, Admiral Gold or Admiral Platinum Cover - you could receive up to £5,000 to cover the costs of your trip.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

Do I need travel insurance if I have a European or Global Health Insurance Card?

Yes, you do. The EHIC (if still in date) isn't a substitute for medical and travel insurance; it entitles you to state-provided healthcare that may become necessary during your holiday in the European Economic Area (but no longer in Iceland, Liechtenstein, Norway or Switzerland).

In some cases it will cover all or part of your costs for medical care, but it won't cover expensive needs such as airlifting from ski resorts or repatriation. The same applies for the new Global Health Insurance Card (GHIC) which you can apply for once your EHIC has expired.